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Can you let me have thebackground as to why you want to do this because I may be able to assist in adifferent way? Thank you
Whatdocumentation do you have to confirm that you did indeed have a mortgage withthem? I am not certain what you mean by "standard security for land registry"
Have yousent them a copy of the mortgage deed?
Did youwrite to them or have you been trying to deal with this on the telephone?
I acceptfully that this is proof that you had a mortgage with them. What proof do youhave that there was PPI attached to the mortgage?
That is theimportant thing.
I can tellyou that although there have been many attempts to get one off the ground,there is no central record of mortgages, borrowers, lenders or account numbersand if the Halifax records have been destroyed because the mortgage wasdischarged 17 years ago, then there is nothing that you, solicitor or even thecourt can do about it.
You arefaced therefore with coming up with some proof that there was PPI attached tothe mortgage and of the amount that you paid.
You canrefer this to the Financial Ombudsman on the basis that Halifax are beingobstructive and it would be for the Ombudsman to decide whether they genuinelyhave not got these records or not.
I mustadmit that I am inclined to think that they are simply saying they are not ontheir computer and I do not think they have carried out a search of their oldrecords. I cannot believe that the Halifax do not have this information. Youcould get a solicitor to threaten an application to court for pre-actiondisclosure that if they genuinely do not have these records, there is nothingthat you can do or the court can do, as I said earlier.
It would beworth speaking to this firm, http://aegis-law.co.uk/aegis-online/contact-us/
who have aspecialise in PPI claims. We are not allowed to recommend firms on here but Ido have experience of using them. Speak to Shirley Shacklady and mentioned thatyou came from this site.
Don't usethe contact email because my understanding is that it does not work or isunreliable. Pick up the phone. The telephone call will only cost you the priceof the phone call which is a local rate. They will not charge you for givingthe advice and would probably take this on for you. If it is not one that theywould take on (bear in mind that if they do not recover anything, they do notget paid) than it is one of those that I am sorry, but you are probably goingto have to write-off.
The threaddoes remain open for me to answer follow-up questions.
I amoffline shortly until later and will pick this up then if needed.
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